WO2018064876A1 - 一种基于nfc近场通信的支付方法及设备 - Google Patents

一种基于nfc近场通信的支付方法及设备 Download PDF

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Publication number
WO2018064876A1
WO2018064876A1 PCT/CN2017/072515 CN2017072515W WO2018064876A1 WO 2018064876 A1 WO2018064876 A1 WO 2018064876A1 CN 2017072515 W CN2017072515 W CN 2017072515W WO 2018064876 A1 WO2018064876 A1 WO 2018064876A1
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WIPO (PCT)
Prior art keywords
nfc terminal
nfc
payment
account
terminal
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PCT/CN2017/072515
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English (en)
French (fr)
Inventor
陶强
高光远
赵磊
韩静
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华为技术有限公司
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Application filed by 华为技术有限公司 filed Critical 华为技术有限公司
Priority to CN201780004043.9A priority Critical patent/CN108292393B/zh
Priority to CN202210710511.7A priority patent/CN115271705A/zh
Publication of WO2018064876A1 publication Critical patent/WO2018064876A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols

Definitions

  • the present application relates to the field of mobile payment technologies, and in particular, to a payment method and device based on NFC near field communication.
  • NFC Near Field Communication
  • a terminal having an NFC function that is, an NFC terminal, can exchange information by touching or approaching each other.
  • the NFC terminal can be simulated as a bank card, then when the user needs to make a payment, directly use the NFC terminal instead of the bank card, at the payee's POS (Point Of Sale, point of sale) can be paid on board.
  • POS Point Of Sale, point of sale
  • the first NFC terminal when determining that the operation of the second NFC terminal to transfer the payment amount is successful, is to use the payment amount from the first
  • the cloud account of the NFC terminal is transferred to the cloud account of the second NFC terminal, and the first NFC terminal acquires the payment result of the second NFC terminal, and the collection result is the second
  • the NFC terminal according to the payment amount from the second NFC Determining, by the first NFC terminal, whether the operation of transferring the local account to the second NFC terminal in the cloud account of the terminal is successful; the first NFC terminal determining, according to the collection result, the payment amount by the second NFC terminal Whether the operation of transferring from the cloud account of the second NFC terminal to the local account of the second NFC terminal is successful; the first NFC terminal determines that the second NFC terminal is to use the payment amount from the first When the operation of transferring the local account to the second NFC terminal in the cloud account of the second NFC terminal is successful, transferring the payment amount from
  • the acquiring, by the first NFC terminal, the payment result of the second NFC terminal includes: receiving, by the first NFC terminal a payment response message sent by the second NFC terminal, where the payment response message includes at least a webpage address associated with the second NFC terminal collection result; the first NFC terminal acquires the collection according to the webpage address result.
  • the method further includes: the first NFC After determining that the operation of transferring the payment amount by the second NFC terminal fails, the terminal returns the payment amount from the cloud account of the first NFC terminal to the local account of the first NFC terminal. .
  • a payment method based on NFC near field communication comprising: receiving, by a first NFC terminal, a payment amount and a payment voucher input by a user; the first NFC terminal determining that the payment voucher is correct, and detecting Establishing an NFC communication link with the second NFC terminal when the second NFC terminal is in the preset range; the first NFC terminal sending a payment request to the second NFC terminal by using the NFC communication link; Receiving, by the NFC communication link, a payment response message sent by the second NFC terminal, where the payment response message includes at least account information of the second NFC terminal user; the first NFC terminal The payment amount is transferred to the account of the second NFC terminal user.
  • the first NFC terminal and the second NFC terminal transfer the account information, and then directly transfer the funds between the two according to the account information, thereby improving the speed of the two transactions.
  • the first NFC terminal transfers the payment amount to an account of the second NFC terminal user, including: the first NFC terminal is enabled.
  • a first NFC near field communication device comprising a processor and a memory; a processor, configured to read the code in the memory, to perform: receiving a payment amount and a payment voucher input by the user, and determining the payment amount from the first NFC terminal when determining that the payment voucher is correct
  • the local account is transferred to the cloud account of the first NFC terminal, and when detecting that the second NFC terminal is in the preset range, establishing an NFC communication link with the second NFC terminal, passing the NFC Transmitting, by the communication link, a payment request including the payment amount to the second NFC terminal, so that the second NFC terminal sends the payment amount from a cloud account of the second NFC terminal according to the payment request, Transferring to a local account of the second NFC terminal and transferring the payment amount from the cloud account of the first NFC terminal when the operation of determining that the second NFC terminal transfers the payment amount is successful Go to the cloud account of the second NFC terminal.
  • the method is specifically configured to: obtain the payment result of the second NFC terminal, and the payment result is that the second NFC terminal according to the payment Determining whether the amount of money transferred from the cloud account of the second NFC terminal to the local account of the second NFC terminal is successful; determining, according to the payment result, that the second NFC terminal is to pay the payment Whether the operation of transferring the amount from the cloud account of the second NFC terminal to the local account of the second NFC terminal is successful; determining that the second NFC terminal is to use the payment amount from the cloud of the second NFC terminal When the operation of transferring the local account to the second NFC terminal in the account is successful, the payment amount is transferred from the cloud account of the first NFC terminal to the cloud account of the second NFC terminal.
  • the processor when the processor obtains the payment result of the second NFC terminal, the processor is specifically configured to: receive, send, by the second NFC terminal And a payment response message, where the payment response message includes at least a webpage address associated with the second NFC terminal collection result; and the collection result is obtained according to the webpage address.
  • the processor is further configured to: determine that the second NFC terminal is transferred When the operation of the payment amount fails, the payment amount is returned from the cloud account of the first NFC terminal to the local account of the first NFC terminal.
  • a first NFC near field communication device comprising a memory and a processor: the processor for reading a code in the memory for performing: receiving a payment input by a user An amount and a payment voucher, when it is determined that the payment voucher is correct, and detecting that the second NFC terminal is in a preset range, establishing an NFC communication link with the second NFC terminal, and speaking to the NFC communication link through the NFC communication link
  • the second NFC terminal sends a payment request, and receives a payment response message sent by the second NFC terminal by using the NFC communication link, where the payment response message includes at least the account information of the second NFC terminal user, and the The payment amount is transferred to the account of the second NFC terminal user.
  • the processor when the processor transfers the payment amount to an account of the second NFC terminal user, the processor is specifically configured to: open and The application of the account of the two NFC terminal users matches; the payment amount is transferred to the account of the second NFC terminal user through the matched application.
  • FIG. 1 is a schematic diagram of an entire NFC payment system provided by an embodiment of the present application.
  • FIG. 4 is another schematic diagram of an NFC payment page provided by an embodiment of the present application.
  • FIG. 6 is a schematic diagram of a prompt page provided by an embodiment of the present application.
  • FIG. 9 is a schematic diagram of an internal architecture of an NFC terminal according to an embodiment of the present disclosure.
  • FIG. 11 is a schematic structural diagram of a first NFC device according to an embodiment of the present application.
  • the present application provides a payment method and device based on NFC (Near Field Communication), and first introduces an application scenario of the present application:
  • NFC is a short-range wireless communication method. Its working principle is: based on non-contact radio frequency identification technology, using magnetic field induction to realize communication between electronic devices in close range; among them, two terminals with NFC function, namely NFC terminal Information exchange can be achieved by touching or approaching each other.
  • the present application provides an NFC-based payment method and device, and the method and device of the present application are used.
  • the NFC terminal When the NFC terminal is applied to the mobile payment field, the two NFC terminals only need to touch or approach. Paying is realized without the need for the payee to provide a POS machine, which is convenient for the user to pay.
  • the built-in security chip inside the first NFC terminal may be referred to as a first built-in security chip, and the second NFC terminal is used.
  • the internal built-in security chip is referred to as a second built-in security chip, and the NFC chip inside the first NFC terminal is referred to as a first NFC chip, and the NFC chip in the second NFC terminal is referred to as a second NFC chip.
  • Step S22 The first NFC terminal receives the payment amount and the payment voucher input by the first user, and determines whether the payment voucher input by the first user is correct; if it is wrong, step S23 is performed; if yes, step S24 is performed;
  • the payment voucher may be specifically a payment password of the user, and may also be a payment fingerprint of the user.
  • the first NFC terminal when the payment voucher is a payment password, the first NFC terminal may be specific. Determining whether the payment password input by the first user is consistent with the payment password set by the user during the registration phase, and when the two are consistent, the first NFC terminal may determine that the payment credentials entered by the first user are correct, otherwise, determine The payment credential input by the user is incorrect; and when the payment credential is the payment fingerprint, the first terminal may specifically determine whether the payment fingerprint input by the first user matches the payment fingerprint set by the user during the registration phase. When the two match, the first NFC terminal may determine that the payment credential input by the first user is correct, otherwise, determine that the payment credential input by the first user is incorrect.
  • Step S23 An alarm page is displayed in the first NFC terminal to prompt the user to input a payment credential.
  • the alarm page may be specifically as shown in FIG. 5;
  • Step S24 The first NFC terminal transfers the payment amount from the first local account of the first NFC terminal to the first cloud account of the first NFC terminal;
  • the first built-in security chip inside the first NFC terminal may be specifically assigned a local account and a cloud account
  • the second built-in security chip inside the second NFC terminal is also assigned a local account and
  • the local account and the cloud account corresponding to the first NFC terminal are respectively referred to as the first local account and the first cloud account, respectively
  • the local account and the cloud account corresponding to the second NFC terminal are respectively It is called a second local account and a second cloud account.
  • the first local account and the second local account may be associated with the bank card of the first NFC terminal user and the bank card of the second NFC terminal user, respectively, and the first bank card is respectively used as the first
  • the local account and the second local account are recharged.
  • the cloud server can specifically set a certain virtual state for the first cloud account and the second cloud account.
  • the virtual amount is used for transferring between the local account and the cloud account, or between the cloud account and the cloud account, and cannot be used for actual user consumption; the virtual amount is mainly used for fast in the first NFC terminal.
  • the corresponding amount is deducted from the local account, and the corresponding amount is quickly charged in the local account of the second NFC terminal, thereby improving the user's service experience; it should be noted that only during the transfer of the two NFC terminals, the first cloud The value of the virtual amount in the account and the second cloud account will change. When the transfer is completed or not transferred, the value of the virtual amount remains unchanged.
  • the NFC terminal may deduct 50 yuan in the first local account corresponding to the first NFC terminal, and add 50 yuan in the first cloud account, at this time, in the first cloud account.
  • the virtual amount becomes 250 yuan.
  • the prompt information of the deduction amount is displayed in the first NFC terminal, and correspondingly, the prompt information of the transferred amount is also displayed in the second NFC terminal.
  • Step S25 The first NFC terminal displays a prompt page, where the prompt page is specifically used to prompt the first user to bring the first NFC terminal and the second NFC terminal closer to each other;
  • the generated prompt page may be specifically as shown in FIG. 6.
  • Step S26 The first user touches or approaches the first NFC terminal and the second NFC terminal;
  • FIG. 7 a schematic diagram of the first NFC terminal touching the second NFC terminal is shown in FIG. 7 .
  • Step S27 The first NFC terminal establishes an NFC communication link with the second NFC terminal when detecting that the second NFC terminal is in the preset range;
  • an NFC communication link may be established based on an NFC-based Point to Point (P2P) protocol.
  • P2P Point to Point
  • the preset range may be specifically an effective range of 0-20 cm for NFC communication.
  • Step S28 The first NFC terminal sends a payment request including the payment amount to the second NFC terminal through the NFC communication link;
  • Step S29 when receiving the payment request, the second NFC terminal performs an operation of transferring money between the second cloud account of the second NFC terminal and the second local account according to the payment request;
  • the second NFC terminal transfers the payment amount from the second cloud account of the second NFC terminal to the second local of the second NFC terminal.
  • the payment amount is 50 yuan
  • the virtual amount in the second cloud account corresponding to the second NFC terminal is also 200 yuan, then, in the second NFC
  • the terminal deducts 50 yuan from the second NFC cloud account of the second NFC terminal, and adds 50 yuan to the second local account of the second NFC terminal, then at this time, the second NFC terminal
  • the virtual amount in the cloud account is 150 yuan.
  • the second NFC terminal may fail to transfer the transfer between the second cloud account and the second local account, that is, the corresponding payment amount is not from the second cloud. Transfer the account to the second local account.
  • Step S210 The second NFC terminal generates a payment result according to whether the operation of transferring the payment amount from the second cloud account of the second NFC terminal to the second local account of the second NFC terminal is successful. And generating a web page associated with the payment result;
  • the operation will succeed.
  • the result of the collection is specifically The transfer is successful; and in an abnormal situation, the operation of the second NFC terminal transferring the payment amount from the second cloud account of the second NFC terminal to the second local account will fail, and the generated payment result Can specifically be a transfer failure;
  • the second NFC terminal directly generates an associated webpage according to the collection result, and the webpage is stored in the webpage.
  • the payment result of the second NFC terminal may be specifically that the second NFC terminal successfully transfers or fails the transfer; the other is that the second NFC terminal pre-generates a webpage template for storing the payment result; and the second When the NFC terminal generates a payment result, it uploads the payment result to the corresponding web template.
  • Step S211 The second NFC terminal sends a payment response message to the first NFC terminal, where the payment response message includes at least a webpage address associated with the collection result.
  • Step S212 The first NFC terminal acquires the payment result according to the webpage address when receiving the payment response message
  • the first NFC terminal may specifically enable the Wifi or the cellular network, and obtain the collection result from the webpage address.
  • the first NFC terminal may establish a wireless local area network with the second NFC terminal, and then
  • the first NFC terminal and the second NFC terminal establish a service mode of a client/server (C/S) through the wireless local area network, and the first NFC terminal will serve as a client in the C/S mode.
  • the second NFC terminal will be the server in the C/S mode, and the first NFC terminal obtains the payment result corresponding to the webpage address in the second NFC terminal by using the existing HTTP method.
  • the method of establishing a local area network in the first NFC terminal and the second NFC terminal ensures that the collection result can be obtained only by the first NFC terminal, thereby ensuring information security.
  • Step S213 The first NFC terminal determines, according to the collection result, whether the operation of transferring the payment amount by the second NFC terminal is successful; if successful, executing step S214; otherwise, executing step S215;
  • the first NFC terminal may determine that the operation of transferring the payment amount by the second NFC terminal is successful, and if the payment result is a transfer failure, then An NFC terminal may determine that the operation of the second NFC terminal to transfer the payment amount fails.
  • Step S214 The first NFC terminal transfers the payment amount from the first cloud account of the first NFC terminal to the second cloud account of the second NFC terminal.
  • the foregoing example is still used.
  • the first NFC terminal determines that the operation of transferring the amount of the second NFC terminal is successful
  • the first cloud account of the first NFC terminal is deducted by 50 yuan
  • the second NFC is used. Adding 50 yuan to the second cloud account of the terminal, it can be seen that, through the above processing, the virtual amount in the first cloud account of the first NFC terminal and the second cloud account of the second NFC terminal can be restored to the original 200 yuan;
  • Step S215 The first NFC terminal returns the payment amount from the first cloud account of the first NFC terminal to the first local account of the first NFC terminal.
  • the present application further provides a payment method based on NFC near field communication, and also adopts the method and device of the present application.
  • NFC terminal When an NFC terminal is applied in the field of mobile payment, two NFC terminals only need to touch or approach The payment can be realized without the POS machine provided by the payee, thereby facilitating the user's payment.
  • the terminal held by the payer may be referred to as a first NFC terminal
  • the terminal held by the payee may be referred to as a second NFC terminal
  • the foregoing An NFC chip is installed inside an NFC terminal and a second NFC terminal.
  • the method provided by the present application is specifically as follows:
  • Step S81 The first NFC terminal receives the payment amount and the payment voucher input by the user;
  • Step S82 The first NFC terminal determines whether the payment voucher is correct; if it is wrong, step S83 is performed: otherwise, step S84 is performed;
  • an alarm page is displayed in the first NFC terminal to prompt the user to input the payment credential.
  • the alarm page can still be referred to FIG. 5, and details are not described herein again.
  • Step S84 The first NFC terminal displays a prompt page, where the prompt page is specifically used to prompt the first user to bring the first NFC terminal and the second NFC terminal closer to each other;
  • the prompt page can still refer to FIG. 6 , and details are not described herein again. ‘
  • Step S85 The first NFC terminal establishes an NFC communication link with the second NFC terminal when detecting that the second NFC terminal is in the preset range.
  • an NFC communication link may be established based on an NFC-based Point to Point (P2P) protocol.
  • P2P Point to Point
  • the preset range may be specifically an effective range of 0-20 cm for NFC communication.
  • Step S86 The first NFC terminal sends a payment request to the second NFC terminal by using the NFC communication link.
  • Step S87 The second NFC terminal acquires account information of the second NFC terminal user when receiving the payment request, and generates a payment response message according to the account information, and sends the payment response message to the first NFC terminal. And wherein the payment response message includes at least account information of the second NFC terminal.
  • Step S88 The first NFC terminal transfers the payment amount to the account of the second NFC terminal user.
  • the first NFC terminal may first open an application that matches an account of the second NFC terminal user, and then transfer the payment amount to the second NFC terminal by using a matching application. Within the user's account.
  • the first NFC terminal may first open the first NFC terminal or in the background of the WeChat.
  • the first An NFC terminal may first open the Alipay application in the first NFC terminal or in the background of the Alipay, and then transfer the Alipay account corresponding to the second NFC terminal.
  • the account provided by the second NFC terminal can also directly use the bank card account, and then the first NFC terminal can directly transfer the bank card account.
  • the transfer between two NFC terminals can be realized by two NFC terminals being close to each other or touching each other.
  • an NFC communication link is established by using a P2P communication protocol, and the technical solution disclosed in Embodiment 1 of the present application is described in detail.
  • FIG. 9 the system structure inside the first NFC terminal and the second NFC terminal will be first introduced, as shown in FIG. 9, which is as follows:
  • the system structure of the first NFC terminal and the second NFC terminal may specifically include three layers, which are an application layer, a system framework, and a chip layer.
  • the application layer may specifically include a payment application
  • the framework layer may specifically include The NFC API, the NFC service, and the JNI
  • the chip layer may specifically include an NFC chip, an eSE built-in security chip, a SIM card security chip, and a protocol stack.
  • the “solid line” process represents an NFC communication link between two NFC terminals, and a process of transmitting information through the NFC communication link, and the “dashed line” process represents charging or debiting two NFC terminals. the process of.
  • the difference between this application and the existing NFC payment is that in the existing NFC payment, the NFC chip is simulated as a bank card, and when the user pays, the user needs to brush the NFC terminal on the POS machine, and the POS machine senses the NFC. After the radio frequency signal of the terminal, the relevant information of the card will be read from the NFC chip, and the subsequent transfer process is completed on the POS side.
  • the NFC payment provided by the present application is completed by the NFC P2P protocol, and after the NFC communication link is established, the subsequent transfer process is completed on the first NFC terminal and the second NFC terminal side.
  • Step S100 The first NFC terminal receives the payment amount and the payment voucher input by the user; wherein the payment voucher may be specifically a payment password, or may be specifically a payment payment;
  • Step S101 The first NFC terminal touches the second NFC terminal when determining that the payment voucher is correct, and establishes an NFC communication link by using a P2P communication protocol;
  • Step S102 The first NFC terminal sends a HandoverSendData (Handover Send Data) through the P2P protocol; the HandoverSendData data may be specifically composed of three parts, respectively, a payment amount, a first identifier of the built-in security chip in the first NFC terminal, and a six-digit random number. .
  • the identifier of the built-in security chip in the first NFC terminal may be referred to as a first identifier
  • the identifier of the built-in security chip in the second NFC terminal is referred to as a second identifier.
  • Step S103 The second NFC terminal receives the HandoverSendData data, parses the HandoverSendData data, obtains the payment amount, the first identifier, and the six-digit random number, and generates a transaction code.
  • the transaction code first identifier+second identifier+six-digit random number
  • the second identifier is an identifier of a built-in security chip in the second NFC terminal.
  • Step S104 The second NFC terminal uploads the transaction code to the cloud server.
  • Step S105 The second NFC terminal sends a HandoverReceiveData to the first NFC terminal, where the HandoverReceiveData is specifically composed of a transaction code and a URL corresponding to the address of the stored payment result pre-allocated by the second NFC terminal;
  • Step S106 The second NFC terminal performs a transfer operation between the second cloud account and the second local account of the second NFC terminal according to the payment amount;
  • the corresponding payment amount may be specifically deducted in the second cloud account of the second NFC terminal, and a corresponding payment amount is added between the second local accounts;
  • Step S107 The second NFC terminal generates a payment result according to whether the transfer operation is successful.
  • Step S108 The first NFC terminal receives the HandoverReceiveData data, parses the HandoverReceiveData data, and obtains the transaction code and the website address corresponding to the address where the payment result is stored;
  • Step S109 The first NFC terminal uploads the transaction code to the cloud server
  • the first NFC terminal and the second NFC terminal upload the transaction code to the cloud server for the purpose of separately generating transaction records of the first NFC terminal and the second NFC terminal in the cloud server.
  • Step S110 The first NFC terminal starts Wifi, and establishes a temporary local area network with the second NFC terminal;
  • Step S111 The first NFC terminal performs, according to the payment amount, a transfer between the first local account and the first cloud account of the first NFC terminal;
  • the corresponding payment amount is deducted from the first local account of the first NFC terminal, and a corresponding payment amount is added to the first cloud account;
  • Step S112 The first NFC terminal obtains the collection result and the transaction code from the website by using a temporarily established local area network.
  • Step S113 The first NFC terminal determines, according to the collected payment result and the transaction code, whether the transfer operation of the second NFC terminal is successful; and if successful, step S114 is performed; otherwise, step S115 is performed;
  • the two conditions may be determined.
  • the transfer operation of the second NFC terminal is successful.
  • the condition of the payment result it may be determined whether the transfer operation of the second NFC terminal is successful; and the condition that the downloaded transaction code is the same as the transaction code held by the second terminal is added, mainly In order to prevent the illegal user from intercepting the web address, the operation of transferring the money is performed on the first NFC terminal side.
  • Step S114 The first NFC terminal transfers the corresponding payment amount from the first cloud account to the second cloud account;
  • Step S115 The first NFC terminal returns the payment amount from the first cloud account to the first local account.
  • the present application further discloses a first NFC near field communication device 110, the device comprising a processor 111 and a memory 112;
  • the processor 111 is configured to read the code in the memory 112 for performing the method on the first NFC terminal side in FIG. 2: receiving a payment amount and a payment voucher input by the user, and determining that the payment voucher is correct, The payment amount is transferred from the local account of the first NFC terminal to the cloud account of the first NFC terminal, and when the second NFC terminal is detected to be in the preset range, the second NFC terminal is established.
  • An NFC communication link transmitting, by the NFC communication link, a payment request including the payment amount to the second NFC terminal, so that the second NFC terminal, according to the payment request, the payment amount is a cloud account of the second NFC terminal, transferred to a local account of the second NFC terminal, and an operation of determining that the second NFC terminal transfers the payment amount Upon successful, the payment amount is transferred from the cloud account of the first NFC terminal to the cloud account of the second NFC terminal.
  • the processor 122 is configured to read the code in the memory for performing the method on the first NFC terminal side in FIG. 8: receiving a payment amount and a payment voucher input by the user, determining that the payment voucher is correct, and detecting Establishing an NFC communication link with the second NFC terminal, transmitting a payment request to the second NFC terminal through the NFC communication link, and using the NFC communication link, when the second NFC terminal is located in a preset range Receiving a payment response message sent by the second NFC terminal, where the payment response message includes at least account information of the second NFC terminal user and transferring the payment amount to an account of the second NFC terminal user in.

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Abstract

本申请公开了一种基于NFC近场通信的支付方法及设备。该方法，包括：第一NFC终端接收用户输入的支付金额和支付凭证；第一NFC终端在确定支付凭证正确时，将支付金额从第一NFC终端的本地账户中，转入至第一NFC终端的云端账户中；第一NFC终端在检测到第二NFC终端位于预设范围时，建立与第二NFC终端的NFC通信链路；第一NFC终端通过NFC通信链路向第二NFC终端发送包括支付金额的支付请求；第一NFC终端在确定第二NFC终端转入支付金额的操作成功时，将支付金额从第一NFC终端的云端账户中转入至第二NFC终端的云端账户中；采用本申请的方法及设备，可减小普通用户的支付难度。

Description

一种基于NFC近场通信的支付方法及设备
本申请要求在2016年10月8日提交中国专利局、申请号为201610882687.5、发明名称为“一种基于NFC支付的方法和设备”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及移动支付技术领域，尤其涉及一种基于NFC近场通信的支付方法及设备。
背景技术
NFC(Near Field Communication，近场通信)是一种短距离的无线通信方式，其工作原理为：基于非接触式射频识别技术，利用磁场感应实现电子设备在近距离间的通信；其中，两个具有NFC功能的终端，即NFC终端，通过相互碰触或靠近，即可实现信息交换。
目前，NFC终端，支持三种工作模式，分别为卡摸拟模式、点对点模式以及读卡器模块；其中，在读卡器模式中，NFC终端可被模拟为读卡器使用，可从海报等物品的电子标签上读取相关信息；而在点对点模式中，两个NFC终端间可直接交换视频、文件以及图像等数据信息；而在卡模拟模式中，NFC终端可被模拟为集成电路卡使用，用于移动支付、刷卡识别等领域；比如，在卡模拟模式中，NFC终端可被模拟为银行卡，那么，当用户需要进行支付时，直接利用NFC终端代替银行卡，在收款方的POS(Point Of Sale，销售点)机上进行支付即可。
由上可见，在现有技术中，当NFC终端应用在移动支付领域时，收款方必须提供POS机；而在现有技术中，如果收款方为普通用户，并非商家，是很难提供POS机的；可见，现有技术中的支付方法，当应用于普通用户之间的支付时，支付难度较大。
发明内容
本申请实施例提供一种基于NFC近场通信的支付方法及设备，以减小普通用户的支付难度。第一方面，提供一种基于NFC近场通信的支付方法，包括：第一NFC终端接收用户输入的支付金额和支付凭证；所述第一NFC终端在确定所述支付凭证正确时，将所述支付金额从所述第一NFC终端的本地账户中，转入至所述第一NFC终端的云端账户中；所述第一NFC终端在检测到第二NFC终端位于预设范围时，建立与所述第二NFC终端的NFC通信链路；所述第一NFC终端通过所述NFC通信链路向所述第二NFC终端发送包括所述支付金额的支付请求，以使得所述第二NFC终端根据所述支付请求，将所述支付金额从所述第二NFC终端的云端账户转入至所述第二NFC终端的本地账户中；所述第一NFC终端在确定所述第二NFC终端转入所述支付金额的操作成功时，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户中。
结合第一方面，在第一种可能的实现方式中，所述第一NFC终端在确定所述第二NFC终端转入所述支付金额的操作成功时，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户中，包括：所述第一NFC终端获取所述第二NFC终端的收款结果，所述收款结果为所述第二NFC终端根据将所述支付金额从所述第二NFC 终端的云端账户中转入至所述第二NFC终端的本地账户的操作是否成功所生成的；所述第一NFC终端根据所述收款结果，确定所述第二NFC终端将所述支付金额从所述第二NFC终端的云端账户转入至所述第二NFC终端的本地账户的操作是否成功；所述第一NFC终端在确定所述第二NFC终端将所述支付金额从所述第二NFC终端的云端账户中转入至所述第二NFC终端的本地账户的操作成功时，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户中。
在本申请实施例中，首先分别在第一NFC终端和第二NFC终端的本地账户和云端账户中进行转账，然后再在两者的云端账户中进行转账，可加快在用户端的转账速度，提高用户的服务体验。
结合第一方面的第一种可能实现方式，在第二种可能的实现方式中，所述第一NFC终端获取所述第二NFC终端的收款结果，包括：所述第一NFC终端接收第二NFC终端发送的支付响应消息，所述支付响应消息中至少包括与所述第二NFC终端收款结果相关联的网页地址；所述第一NFC终端根据所述网页地址，获取所述收款结果。
结合第一方面的第二种可能实现方式，在第三种可能的实现方式中，所述第一NFC终端从所述网页地址中，获取所述收款结果，包括：所述第一NFC终端建立与所述第二NFC终端之间的无线局域网；所述第一NFC终端通过所述无线局域网，访问所述网页地址，获取所述收款结果。
采用上述建立无线局域网的方式，可保证所述网页只有第一NFC终端可访问，从而提高两者交易的安全性。
结合第一方面、第一方面的第一种可能实现方式、第二种可能实现方式或第三种可能实现方式，在第四种可能实现方式中，所述方法还包括：所述第一NFC终端在确定所述第二NFC终端转入所述支付金额的操作失败时，再将所述支付金额从所述第一NFC终端的云端账户中，返回至所述第一NFC终端的本地账户中。
采用上述方式，在第二NFC终端未转账成功时，再返回所述支付金额至第一NFC终端的本地账户中，可保证两者的正常交易。
第二方面，还提供一种基于NFC近场通信的支付方法，包括：第一NFC终端接收用户输入的支付金额和支付凭证；所述第一NFC终端在确定所述支付凭证正确，且检测到第二NFC终端位于预设范围时，建立与所述第二NFC终端的NFC通信链路；所述第一NFC终端通过所述NFC通信链路向所述第二NFC终端发送支付请求；所述第一NFC终端通过所述NFC通信链路接收所述第二NFC终端发送的支付响应消息，所述支付响应消息中至少包括所述第二NFC终端用户的账户信息；所述第一NFC终端将所述支付金额，转入至所述第二NFC终端用户的账户中。
由上可见，第一NFC终端和第二NFC终端传递账户信息，然后根据所述账户信息，直接在两者间进行转账即可，从而可提高两者交易的速度。
结合第二方面，在第一种可能的实现方式中，所述第一NFC终端将所述支付金额，转入至所述第二NFC终端用户的账户中，包括：所述第一NFC终端开启与所述第二NFC终端用户的账户相匹配的应用程序；所述第一NFC终端通过相匹配的应用程序，将所述支付金额转入至所述第二NFC终端用户的账户内。
由上可见，利用现有的应用程序即可在两者间进行转账，从而方便用户应用。
第三方面，还提供一种第一NFC近场通信设备，所述设备包括处理器和存储器；所述 处理器，用于读取所述存储器中的代码，以用于执行：接收用户输入的支付金额和支付凭证、在确定所述支付凭证正确时，将所述支付金额从所述第一NFC终端的本地账户中，转入至所述第一NFC终端的云端账户中、在检测到第二NFC终端位于预设范围时，建立与所述第二NFC终端的NFC通信链路、通过所述NFC通信链路向所述第二NFC终端发送包括所述支付金额的支付请求，以使得所述第二NFC终端根据所述支付请求，将所述支付金额从所述第二NFC终端的云端账户，转入至所述第二NFC终端的本地账户中以及在确定所述第二NFC终端转入所述支付金额的操作成功时，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户中。
结合第三方面，在第一种可能的实现方式中，所述处理器在确定所述第二NFC终端转入所述支付金额的操作成功，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户时，具体用于：获取所述第二NFC终端的收款结果，所述收款结果为所述第二NFC终端根据将所述支付金额从所述第二NFC终端的云端账户中转入至所述第二NFC终端的本地账户的操作是否成功所生成的；根据所述收款结果，确定所述第二NFC终端将所述支付金额从所述第二NFC终端的云端账户转入至所述第二NFC终端的本地账户的操作是否成功；在确定所述第二NFC终端将所述支付金额从所述第二NFC终端的云端账户中转入至所述第二NFC终端的本地账户的操作成功时，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户中。
结合第三方面的第一种可能实现方式，在第二种可能的实现方式中，所述处理器在获取所述第二NFC终端的收款结果时，具体用于：接收第二NFC终端发送的支付响应消息，所述支付响应消息中至少包括与所述第二NFC终端收款结果相关联的网页地址；根据所述网页地址，获取所述收款结果。
结合第三方面的第二种可能实现方式，在第三种可能的实现方式中，所述处理器在从所述网页地址中，获取所述收款结果时，具体用于：建立与所述第二NFC终端之间的无线局域网；通过所述无线局域网，访问所述网页地址，获取所述收款结果。
结合第三方面、第三方面的第一种可能实现方式以及第二种可能实现方式，在第三种可能实现方式中，所述处理器还用于：在确定所述第二NFC终端转入所述支付金额的操作失败时，再将所述支付金额从所述第一NFC终端的云端账户中，返回至所述第一NFC终端的本地账户中。
第四方面，提供一种第一NFC近场通信设备，所述设备包括存储器和处理器：所述处理器，用于读取所述存储器中的代码，以用于执行：接收用户输入的支付金额和支付凭证、在确定所述支付凭证正确，且检测到第二NFC终端位于预设范围时，建立与所述第二NFC终端的NFC通信链路、通过所述NFC通信链路向所述第二NFC终端发送支付请求、通过所述NFC通信链路接收所述第二NFC终端发送的支付响应消息，所述支付响应消息中至少包括所述第二NFC终端用户的账户信息以及将所述支付金额，转入至所述第二NFC终端用户的账户中。
结合第四方面，在第一种可能的实现方式中，所述处理器在将所述支付金额，转入至所述第二NFC终端用户的账户中时，具体用于：开启与所述第二NFC终端用户的账户相匹配的应用程序；通过相匹配的应用程序，将所述支付金额转入至所述第二NFC终端用户的账户内。
由上可见，在本申请实施例中，当两个NFC终端的距离位于预设的距离范围时，即可 建立两个NFC终端间的NFC通信链路；而通过所述NFC通信链路，即可在两个NFC终端间完成转账的操作，也就是两个NFC终端仅需相互碰触或靠近，即可在两个NFC终端间完成转账，而无需收款方提供POS机，进而减小了普通用户的支付难度。
附图说明
图1为本申请实施例提供的整个NFC支付系统的一示意图；
图2为本申请实施例提供的基于NFC的支付方法的一流程示意图；
图3为本申请实施例提供的NFC支付页面的一示意图；
图4为本申请实施例提供的NFC支付页面的另一示意图；
图5为本申请实施例提供的NFC告警页面的一示意图；
图6为本申请实施例提供的提示页面的一示意图；
图7为本申请实施例提供的NCF终端碰触的一示意图；
图8为本申请实施例提供的基于NFC的支付方法的另一流程示意图；
图9为本申请实施例提供的NFC终端的内部架构示意图；
图10为本申请实施例提供的基于NFC的支付方法的又一流程示意图；
图11为本申请实施例提供的第一NFC设备的一结构示意；
图12为本申请实施例提供的第一NFC设备的另一结构示意。
具体实施方式
下面将结合本申请实施例中的附图，对本申请实施例中的技术方案进行清楚、完整地描述。
本申请提供一种基于NFC(Near Field Communication，近场通信)的支付方法及设备，首先介绍一下本申请的应用场景：
NFC是一种短距离的无线通信方式，其工作原理为：基于非接触式射频识别技术，利用磁场感应实现电子设备在近距离间的通信；其中，两个具有NFC功能的终端，即NFC终端，通过相互碰触或靠近，即可实现信息交换。
目前，NFC终端，支持三种工作模式，分别为卡摸拟模式、点对点模式以及读卡器模块；其中，在读卡器模式中，NFC终端可被模拟为读卡器使用，可从海报等物品的电子标签上读取相关信息；而在点对点模式中，两个NFC终端间可直接交换视频、文件以及图像等数据信息；而在卡模拟模式中，NFC终端可被模拟为集成电路卡使用，用于移动支付、刷卡识别等领域；比如，在卡模拟模式中，NFC终端可被模拟为银行卡，那么，当用户需要进行支付时，直接利用NFC终端代替银行卡，在收款方的POS(Point Of Sale，销售点)机上进行支付即可。
实施例一
基于上述应用场景，本申请提供一种基于NFC的支付方法及设备，采用本申请的方法及设备，当NFC终端应用于移动支付领域时，两个NFC终端仅需通过碰触或靠近，即可实现支付，而无需收款方提供POS机，从而方便用户的支付。
在本申请实施例中，为了方便进行描述，可将付款方所持有的终端，称为第一NFC终端，将收款方所持有的终端，称为第二NFC终端，且所述第一NFC终端和第二NFC终 端内部均安装有NFC芯片和内置安全芯片，所述内置安全芯片可具体为eSE芯片；所述NFC芯片用于在第一NFC终端和第二NFC终端间建立NFC通信链路，所述内置安全芯片用于高安全性的存储用户的账户信息；在本申请实施例中，同样为了方便进行描述，可将第一NFC终端内部的内置安全芯片称为第一内置安全芯片，将第二NFC终端内部的内置安全芯片称为第二内置安全芯片，将第一NFC终端内部的NFC芯片称为第一NFC芯片，将第二NFC终端内的NFC芯片称为第二NFC芯片。
在本申请实施例中，本申请所基于的整体框架图，如图1所示，具体如下：
在本申请实施例中，将基于图1所提供的本申请的整体框架，详细介绍本申请所提供的基于NFC的支付方法，如图2所示，该方法具体如下：
步骤S21：当第一用户需向第二用户付款时，第一用户可具体在第一NFC终端中输入支付金额以及支付凭证；
在本申请实施例中，所述第一用户可具体为付款方用户，所述第二用户可具体为收款方用户。在本申请实施例中，第一NFC终端可提供一NFC支付应用程序，第一用户点击该NFC支付应用程序，第一NFC终端中即可呈现出一NFC支付页面，如图3所示，该NFC支付页面中可具体包括支付金额和支付密码两个输入框，第一用户在支付金额输入框中输入相应的支付金额，在支付密码输入框中输入相应的支付密码即可；在本申请实施例中，上述NFC支付页面，还可具体如图4所示，具体包括一支付金额输入框和一指纹支付图标；在本申请实施例中，第一用户在支付金额输入框中输入相应的支付金额，用预设的支付手指按压所述指纹支付图标即可，在此不再赘述。
步骤S22：第一NFC终端接收第一用户输入的支付金额和支付凭证，且判断第一用户输入的支付凭证是否正确；如果错误，执行步骤S23；如果正确，执行步骤S24；
通过上述论述可知，所述支付凭证可具体为用户的支付密码，也可为用户的支付指纹；在本申请实施例中，当所述支付凭证为支付密码时，所述第一NFC终端可具体判断第一用户输入的支付密码与该用户在注册阶段所设置的支付密码是否一致，而当两者相一致时，第一NFC终端可确定第一用户所输入的支付凭证正确，否则，确定第一用户所输入的支付凭证错误；而当所述支付凭证为支付指纹时，所述第一终端可具体判断第一用户输入的支付指纹与该用户在注册阶段所设置的支付指纹是否相匹配，而当两者相匹配时，第一NFC终端可确定第一用户所输入的支付凭证正确，否则，确定第一用户所输入的支付凭证错误。
步骤S23：第一NFC终端中显示一告警页面，以提示用户输入的支付凭证错误，所述告警页面，可具体如图5所示；
步骤S24：第一NFC终端将所述支付金额从所述第一NFC终端的第一本地账户中，转入至所述第一NFC终端的第一云端账户中；
在本申请实施例中，可具体预先给第一NFC终端内部的第一内置安全芯片，分配一本地账户和云端账户，给第二NFC终端内部的第二内置安全芯片，也分配一本地账户和云端账户；同样，为了方便进行描述，将第一NFC终端所对应的本地账户和云端账户分别称为第一本地账户和第一云端账户，将第二NFC终端所对应的本地账户和云端账户分别称为第二本地账户和第二云端账户。
在本申请实施例中，所述第一本地账户和第二本地账户可分别与第一NFC终端用户的银行卡和第二NFC终端用户的银行卡相关联，利用相应的银行卡分别为第一本地账户和第二本地账户进行充值。而云端服务器可具体给第一云端账户和第二云端账户设置一定的虚 拟金额，所述虚拟金额用于在本地账户和云端账户，或云端账户和云端账户间进行转账，并不能用于实际的用户消费；所述虚拟金额主要用于快速的在第一NFC终端的本地账户中扣除相应金额，以及快速的在第二NFC终端的本地账户中充入相应的金额，从而提高用户的服务体验；需要说明的是，只有在两个NFC终端的转账期间，第一云端账户和第二云端账户中的虚拟金额的数值才会发生变化，在两者转账完成或未进行转账时，虚拟金额的数值保持不变。
在本申请实施例中，假设第一用户在第一NFC终端中输入的支付金额为50元，而第一NFC终端所对应的第一云端账户中的虚拟金额为200元，那么，在第一NFC终端确定第一用户输入的支付凭证正确时，可在第一NFC终端所对应的第一本地账户中扣除50元，且在第一云端账户中添加50元，此时，第一云端账户中的虚拟金额变为250元。
需要说明的是，在本申请实施例中，第一NFC终端中将显示扣除金额的提示信息，而相应的，第二NFC终端中也将显示转入金额的提示信息。
步骤S25：第一NFC终端显示提示页面，所述提示页面具体用于提示第一用户将第一NFC终端与第二NFC终端靠近；
在本申请实施例中，所生成的提示页面可具体如图6所示。
步骤S26：第一用户拿第一NFC终端与第二NFC终端碰触或靠近；
在本申请实施例中，第一NFC终端与第二NFC终端碰触的示意图，具体可参见图7所示。
步骤S27：第一NFC终端在检测到第二NFC终端位于预设范围时，建立与所述第二NFC终端的NFC通信链路；
在本申请实施例中，可具体基于NFC的点对点(Point to Point，P2P)协议建立NFC通信链路。而所述预设范围可具体为NFC通信的有效范围0-20cm。
步骤S28：第一NFC终端通过所述NFC通信链路向所述第二NFC终端发送包括所述支付金额的支付请求；
步骤S29：第二NFC终端在接收到所述支付请求时，将根据所述支付请求，在第二NFC终端的第二云端账户中和第二本地账户间进行转账的操作；
在正常情况下，第二NFC终端在接收到所述支付请求时，将所述支付金额从所述第二NFC终端的第二云端账户中，转入至所述第二NFC终端的第二本地账户中；在本申请实施例中，仍沿用上述举例，假设所述支付金额为50元，第二NFC终端所对应的第二云端账户中的虚拟金额也为200元，那么，在第二NFC终端接收到所述支付请求时，将从第二NFC终端的第二NFC云端账户中扣除50元，在第二NFC终端的第二本地账户中添加50元，那么此时，第二NFC终端的云端账户中的虚拟金额为150元。
但在异常情况下，比如由于网络异常等情况，将会出现在第二NFC终端在第二云端账户和第二本地账户间转账失败的情况发生，即并没有将相应的支付金额从第二云端账户中转入第二本地账户中。
步骤S210：第二NFC终端根据将所述支付金额从所述第二NFC终端的第二云端账户中转入至所述第二NFC终端的第二本地账户的操作是否成功，生成一收款结果，并生成所述收款结果相关联的网页；
在本申请实施例中，在正常情况下，第二NFC终端将所述支付金额从所述第二NFC终端的第二云端账户中转入至所述第二本地账户的操作将成功时，生成的收款结果具体为 转账成功；而在异常情况下，第二NFC终端将所述支付金额从所述第二NFC终端的第二云端账户中转入至所述第二本地账户的操作将失败，生成的收款结果可具体为转账失败；
在本申请实施例中，生成所述收款结果相关联的网页的方式有以下两种：一种为第二NFC终端直接根据所述收款结果生成一个相关联的网页，而该网页中存储有第二NFC终端的收款结果，所述收款结果可具体为第二NFC终端转账成功或转账失败；另一种为第二NFC终端中预先生成存储收款结果的网页模版；而第二NFC终端每当生成一个收款结果时，将收款结果上传至对应的网页模版即可。
步骤S211：第二NFC终端向第一NFC终端发送支付响应消息，所述支付响应消息中至少包括与所述收款结果所关联的网页地址。
步骤S212：第一NFC终端在接收到所述支付响应消息时，根据所述网页地址，获取所述收款结果；
在本申请实施例中，当所述网页地址为云端服务器所对应的地址时，所述第一NFC终端可具体开启Wifi或蜂窝网络，从所述网页地址处，获取所述收款结果。
在本申请实施例中，当所述网页地址为第二NFC终端所对应的地址时，那么，第一NFC终端可建立与所述第二NFC终端之间的无线局域网，然后
第一NFC终端与第二NFC终端通过所述无线局域网，建立起客户端/服务器(Client/Server，C/S)的服务模式，而第一NFC终端将作为所述C/S模式中的客户端，第二NFC终端将作为所述C/S模式中的服务器，而第一NFC终端将通过现有的HTTP方式在所述第二NFC终端中，获取所述网页地址所对应的收款结果；采用在第一NFC终端和第二NFC终端建立局域网的方式，可保证所述收款结果，仅可被第一NFC终端获取到，从而保证了信息安全。
步骤S213：第一NFC终端根据所述收款结果，判断所述第二NFC终端转入所述支付金额的操作是否成功；如果成功，执行步骤S214；否则，执行步骤S215；
在本申请实施例中，如果所述收款结果为转账成功，第一NFC终端可确定所述第二NFC终端转入支付金额的操作成功，而如果所述收款结果为转账失败，那么第一NFC终端可确定所述第二NFC终端转入支付金额的操作失败。
步骤S214：第一NFC终端将所述支付金额从所述第一NFC终端的第一云端账户中转入至所述第二NFC终端的第二云端账户中。
在本申请实施例中，仍沿用上述举例，在第一NFC终端确定第二NFC终端转入金额的操作成功时，将在第一NFC终端的第一云端账户中扣除50元，在第二NFC终端的第二云端账户中添加50元，那么可见，通过上述处理，第一NFC终端的第一云端账户和第二NFC终端的第二云端账户中的虚拟金额均可恢复为原始的200元；
步骤S215：第一NFC终端再将所述支付金额从所述第一NFC终端的第一云端账户中，返回至所述第一NFC终端的第一本地账户中。
在本申请实施例中，仍沿用上述举例，此时，再将从第一NFC终端的第一云端账户中扣除50元，添加至第一NFC终端的第一本地账户中即可。
由上可见，在本申请实施例中，当两个NFC终端的距离位于预设的距离范围时，即可建立两个NFC终端间的NFC通信链路；而通过所述NFC通信链路，即可在两个NFC终端间完成转账的操作，也就是两个NFC终端仅需相互碰触或靠近，即可在两个NFC终端间完成转账，而无需收款方提供POS机，进而减小了普通用户的支付难度。
实施例二
基于上述应用场景，本申请还提供一种基于NFC近场通信的支付方法，同样采用本申请的方法及设备，当NFC终端应用于移动支付领域时，两个NFC终端仅需通过碰触或靠近，即可实现支付，而无需收款方提供POS机，从而方便用户的支付。
在本申请实施例中，为了方便进行描述，可将付款方所持有的终端，称为第一NFC终端，将收款方所持有的终端，称为第二NFC终端，且所述第一NFC终端和第二NFC终端内部均安装有NFC芯片，如图8所示，本申请所提供的方法具体如下：
步骤S81：第一NFC终端接收用户输入的支付金额和支付凭证；
关于支付金额和支付凭证，可具体参见上述实施例一的论述，在此不再赘述。
步骤S82：第一NFC终端判断所述支付凭证是否正确；如果错误，执行步骤S83：否则，执行步骤S84；
步骤S83：第一NFC终端中显示一告警页面，以提示用户输入的支付凭证错误，所述告警页面，仍可参照图5所示，在此不再赘述。
步骤S84：第一NFC终端显示提示页面，所述提示页面具体用于提示第一用户将第一NFC终端与第二NFC终端靠近；
在本申请实施例中，关于提示页面仍可参照图6所示，在此不再赘述。‘
步骤S85：第一NFC终端在检测到第二NFC终端位于预设范围时，建立与所述第二NFC终端的NFC通信链路；
在本申请实施例中，可具体基于NFC的点对点(Point to Point，P2P)协议建立NFC通信链路。而所述预设范围可具体为NFC通信的有效范围0-20cm。
步骤S86：第一NFC终端通过所述NFC通信链路向所述第二NFC终端发送支付请求；
步骤S87：第二NFC终端在接收到所述支付请求时，获取所述第二NFC终端用户的账户信息，且根据所述账户信息生成支付响应消息，发送所述支付响应消息至第一NFC终端；其中，所述支付响应消息中至少包括所述第二NFC终端的账户信息。
步骤S88：第一NFC终端将所述支付金额，转入至所述第二NFC终端用户的账户中。
具体的，所述第一NFC终端可首先开启与所述第二NFC终端用户的账户相匹配的应用程序，然后通过相匹配的应用程序，将所述支付金额转入至所述第二NFC终端用户的账户内。在本申请实施例中，如果第二NFC终端所提供的账户为微信账户，那么在本申请实施例中，第一NFC终端可在第一NFC终端中或在所述微信的后台中首先打开所述微信应用程序，然后向第二NFC终端所对应的微信账号进行转账，或，给第二NFC终端的微信账户发红包等操作；而如果第二NFC终端所提供的账户为支付宝账户，那么第一NFC终端可在第一NFC终端中或在所述支付宝的后台中首先打开所述支付宝应用程序，然后向第二NFC终端所对应的支付宝账户进行转账即可。当然，在本申请实施例中，第二NFC终端所提供的账户也可直接用银行卡账户，那么，第一NFC终端直接向该银行卡账户进行转账即可。
在本申请实施例中，利用现有的一些应用程序，通过两个NFC终端相互靠近或碰触，即可实现在两个NFC终端间进行转账。
实施例三
在本申请实施例中，将以采用P2P通信协议建立NFC通信链路为例，详细介绍本申请实施例一所公开的技术方案。
在本申请实施例中，将首先介绍一下第一NFC终端和第二NFC终端内部的系统结构，如图9所示，具体如下：
第一NFC终端和第二NFC终端内部的系统结构，可具体包括三个层，分别为应用层、系统框架Framework层和芯片层；其中，应用层可具体包括支付应用程序，Framework层可具体包括NFC API、NFC服务和JNI，芯片层可具体包括NFC芯片、eSE内置安全芯片、SIM卡安全芯片和协议栈。
在本申请实施例中，“实线”流程代表两个NFC终端间建立NFC通信链路，以及通过所述NFC通信链路传递信息的过程，“虚线”流程代表两个NFC终端充值或扣款的过程。
本申请和现有的NFC支付的不同之处在于，在现有NFC支付中，将NFC芯片模拟为银行卡，在用户支付时，用户需要在POS机上刷NFC终端，而POS机在感应到NFC终端的射频信号后，将从NFC芯片中读取卡片的相关信息，之后的转账过程在POS机侧完成。而本申请所提供的NFC支付，在通过NFC P2P协议完成握手校验，建立NFC通信链路后，之后的转账过程，在第一NFC终端和第二NFC终端侧完成。
而关于本申请所提供的NFC支付的过程，如图10所示，具体如下：
步骤S100：第一NFC终端接收用户输入的支付金额和支付凭证；其中，所述支付凭证可具体为支付密码，也可具体为支付支付；
步骤S101：第一NFC终端在确定所述支付凭证正确时，与第二NFC终端碰触，通过P2P通信协议建立NFC通信链路；
关于判断所述支付凭证是否正确的方式，可具体参见上述实施例一的介绍，在此不再赘述。
步骤S102：第一NFC终端通过P2P协议发送HandoverSendData(交接发送数据)；该HandoverSendData数据可具体由三部分组成，分别为支付金额、第一NFC终端中内置安全芯片的第一标识和六位随机数。在本申请实施例中，为了方便描述，可具体将第一NFC终端中内置安全芯片的标识称为第一标识，将第二NFC终端中内置安全芯片的标识称为第二标识；
步骤S103：第二NFC终端接收HandoverSendData数据，对HandoverSendData数据进行解析，获得支付金额、第一标识和六位随机数，生成交易码；
在本申请实施例中，所述交易码＝第一标识+第二标识+六位随机数，所述第二标识为第二NFC终端中内置安全芯片的标识。
步骤S104：第二NFC终端将交易码上传至云端服务器；
步骤S105：第二NFC终端发送HandoverReceiveData(交接接收数据)至第一NFC终端，所述HandoverReceiveData具体由交易码和第二NFC终端预分配的存储收款结果的地址所对应的网址组成；
步骤S106：第二NFC终端，根据所述支付金额，在第二NFC终端的第二云端账户和第二本地账户间进行转账操作；
在本申请实施例中，可具体在第二NFC终端的第二云端账户中扣除相应的支付金额，在第二本地账户间添加相应的支付金额；
步骤S107：第二NFC终端根据所述转账操作是否成功，生成收款结果，
且根据所述收款结果以及交易码生成对应的网页中；
关于如何生成对应的网页，可具体参见实施例一中步骤S210中生成网页的过程介绍，在此不再赘述。
步骤S108：第一NFC终端接收HandoverReceiveData数据，对HandoverReceiveData数据进行解析，获取交易码和存储收款结果的地址所对应的网址；
步骤S109：第一NFC终端上传交易码至云端服务器中；
在本申请实施例中，第一NFC终端和第二NFC终端上传交易码至云端服务器的目的是为了在云端服务器中分别生成第一NFC终端和第二NFC终端的交易记录。
步骤S110：第一NFC终端开启Wifi，与第二NFC终端建立临时局域网；
步骤S111：第一NFC终端，根据所述支付金额，在第一NFC终端的第一本地账户和第一云端账户间进行转账；
在本申请实施例中，可具体的，在第一NFC终端的第一本地账户中扣除相应的支付金额，在所述第一云端账户中添加相应的支付金额；
步骤S112：第一NFC终端，利用临时建立的局域网，从所述网址上获取所述收款结果和交易码；
步骤S113：第一NFC终端，根据所获取的收款结果和交易码，确定第二NFC终端的转账操作是否成功；且如果成功，执行步骤S114，否则，执行步骤S115；
在本申请实施例中，如果所述收款结果表示第二终端的转账成功，且从所述网址下载的交易码与第二终端所持有的交易码相同这两个条件均满足，可确定第二NFC终端的转账操作成功。
在实际应用中，根据所述收款结果这一个条件，即可确定第二NFC终端的转账操作是否成功；添加所下载的交易码与第二终端所持有的交易码相同这一条件，主要是为了防止不法用户截获所述网址，在第一NFC终端侧执行转账的操作。
步骤S114：第一NFC终端将相应支付金额，从第一云端账户中转入第二云端账户中；
步骤S115：第一NFC终端将所述支付金额，从第一云端账户中再返回至第一本地账户中。
采用本申请实施例所公开的支付方法，因于需要两个NFC终端需当面碰触，因此需要支付安全系数高的优点，同时，在支付过程中无需POS机，仅需两个NFC终端即可，方便用户使用。
实施例四
与上述构思相同，如图11所示，本申请还公开一种第一NFC近场通信设备110，所述设备包括处理器111和存储器112；
处理器111，用于读取存储器112中的代码，以用于执行图2中第一NFC终端侧的方法：接收用户输入的支付金额和支付凭证、在确定所述支付凭证正确时，将所述支付金额从所述第一NFC终端的本地账户中，转入至所述第一NFC终端的云端账户中、在检测到第二NFC终端位于预设范围时，建立与所述第二NFC终端的NFC通信链路、通过所述NFC通信链路向所述第二NFC终端发送包括所述支付金额的支付请求，以使得所述第二NFC终端根据所述支付请求，将所述支付金额从所述第二NFC终端的云端账户，转入至所述第二NFC终端的本地账户中以及在确定所述第二NFC终端转入所述支付金额的操作 成功时，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户中。
具体的，处理器111在确定所述第二NFC终端转入所述支付金额的操作成功，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户时，具体用于：获取所述第二NFC终端的收款结果，所述收款结果为所述第二NFC终端根据将所述支付金额从所述第二NFC终端的云端账户中转入至所述第二NFC终端的本地账户的操作是否成功所生成的；
根据所述收款结果，确定所述第二NFC终端将所述支付金额从所述第二NFC终端的云端账户转入至所述第二NFC终端的本地账户的操作是否成功；在确定所述第二NFC终端将所述支付金额从所述第二NFC终端的云端账户中转入至所述第二NFC终端的本地账户的操作成功时，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户中。
具体的，处理器111在获取所述第二NFC终端的收款结果时，具体用于：
接收第二NFC终端发送的支付响应消息，所述支付响应消息中至少包括存储所述第二NFC终端收款结果所对应的网页地址；根据所述网页地址，获取所述收款结果。
具体的，所述网页地址为所述第二NFC终端内部的存储地址；处理器111在从所述网页地址中，下载所述收款结果时，具体用于：建立与所述第二NFC终端之间的无线局域网；通过所述无线局域网，访问所述第二NFC终端中所述网页地址所对应的存储地址，从所述存储地址下载所述收款结果。
具体的，处理器111还用于：在确定所述第二NFC终端转入所述支付金额的操作失败时，再将所述支付金额从所述第一NFC终端的云端账户中，返回至所述第一NFC终端的本地账户中。
与上述构思相同，如图12所示，本申请还提供一种第一NFC近场通信设备120，所述设备包括存储器121和处理器122：
处理器122，用于读取所述存储器中的代码，以用于执行图8中第一NFC终端侧的方法：接收用户输入的支付金额和支付凭证、在确定所述支付凭证正确，且检测到第二NFC终端位于预设范围时，建立与所述第二NFC终端的NFC通信链路、通过所述NFC通信链路向所述第二NFC终端发送支付请求、通过所述NFC通信链路接收所述第二NFC终端发送的支付响应消息，所述支付响应消息中至少包括所述第二NFC终端用户的账户信息以及将所述支付金额，转入至所述第二NFC终端用户的账户中。
具体的，处理器122在将所述支付金额，转入至所述第二NFC终端用户的账户中时，具体用于：开启与所述第二NFC终端用户的账户相匹配的应用程序；通过相匹配的应用程序，将所述支付金额转入至所述第二NFC终端用户的账户内。
由上可见，在本申请实施例中，当两个NFC终端的距离位于预设的距离范围时，即可建立两个NFC终端间的NFC通信链路；而通过所述NFC通信链路，即可在两个NFC终端间完成转账的操作，也就是两个NFC终端仅需相互碰触或靠近，即可在两个NFC终端间完成转账，而无需收款方提供POS机，进而减小了普通用户的支付难度。
本领域内的技术人员应明白，本申请的实施例可提供为方法、系统、或计算机程序产品。因此，本申请可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本申请可采用在一个或多个其中包含有计算机可用程序代码的计算机 可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本申请是参照根据本申请实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的设备。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令设备的制造品，该指令设备实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
显然，本领域的技术人员可以对本申请实施例进行各种改动和变型而不脱离本申请实施例的精神和范围。这样，倘若本申请实施例的这些修改和变型属于本申请权利要求及其等同技术的范围之内，则本申请也意图包含这些改动和变型在内。

Claims (14)

  1. 一种基于NFC近场通信的支付方法，其特征在于，包括：
    第一NFC终端接收用户输入的支付金额和支付凭证；
    所述第一NFC终端在确定所述支付凭证正确时，将所述支付金额从所述第一NFC终端的本地账户中，转入至所述第一NFC终端的云端账户中；
    所述第一NFC终端在检测到第二NFC终端位于预设范围时，建立与所述第二NFC终端的NFC通信链路；
    所述第一NFC终端通过所述NFC通信链路向所述第二NFC终端发送包括所述支付金额的支付请求，以使得所述第二NFC终端根据所述支付请求，将所述支付金额从所述第二NFC终端的云端账户转入至所述第二NFC终端的本地账户中；
    所述第一NFC终端在确定所述第二NFC终端转入所述支付金额的操作成功时，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户中。
  2. 根据权利要求1所述的方法，其特征在于，所述第一NFC终端在确定所述第二NFC终端转入所述支付金额的操作成功时，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户中，包括：
    所述第一NFC终端获取所述第二NFC终端的收款结果，所述收款结果为所述第二NFC终端根据将所述支付金额从所述第二NFC终端的云端账户中转入至所述第二NFC终端的本地账户的操作是否成功所生成的；
    所述第一NFC终端根据所述收款结果，确定所述第二NFC终端将所述支付金额从所述第二NFC终端的云端账户转入至所述第二NFC终端的本地账户的操作是否成功；
    所述第一NFC终端在确定所述第二NFC终端将所述支付金额从所述第二NFC终端的云端账户中转入至所述第二NFC终端的本地账户的操作成功时，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户中。
  3. 根据权利要求2所述的方法，其特征在于，所述第一NFC终端获取所述第二NFC终端的收款结果，包括：
    所述第一NFC终端接收第二NFC终端发送的支付响应消息，所述支付响应消息中至少包括与所述第二NFC终端收款结果相关联的网页地址；
    所述第一NFC终端根据所述网页地址，获取所述收款结果。
  4. 根据权利要求3所述的方法，其特征在于，所述第一NFC终端从所述网页地址中，获取所述收款结果，包括：
    所述第一NFC终端建立与所述第二NFC终端之间的无线局域网；
    所述第一NFC终端通过所述无线局域网，访问所述网页地址，获取所述收款结果。
  5. 根据权利要求1至4任一项所述的方法，其特征在于，还包括：
    所述第一NFC终端在确定所述第二NFC终端转入所述支付金额的操作失败时，再将所述支付金额从所述第一NFC终端的云端账户中，返回至所述第一NFC终端的本地账户中。
  6. 一种基于NFC近场通信的支付方法，其特征在于，包括：
    第一NFC终端接收用户输入的支付金额和支付凭证；
    所述第一NFC终端在确定所述支付凭证正确，且检测到第二NFC终端位于预设范围 时，建立与所述第二NFC终端的NFC通信链路；
    所述第一NFC终端通过所述NFC通信链路向所述第二NFC终端发送支付请求；
    所述第一NFC终端通过所述NFC通信链路接收所述第二NFC终端发送的支付响应消息，所述支付响应消息中至少包括所述第二NFC终端用户的账户信息；
    所述第一NFC终端将所述支付金额，转入至所述第二NFC终端用户的账户中。
  7. 根据权利要求6所述的方法，其特征在于，所述第一NFC终端将所述支付金额，转入至所述第二NFC终端用户的账户中，包括：
    所述第一NFC终端开启与所述第二NFC终端用户的账户相匹配的应用程序；
    所述第一NFC终端通过相匹配的应用程序，将所述支付金额转入至所述第二NFC终端用户的账户内。
  8. 一种第一NFC近场通信设备，其特征在于，所述设备包括处理器和存储器；
    所述处理器，用于读取所述存储器中的代码，以用于执行：接收用户输入的支付金额和支付凭证、在确定所述支付凭证正确时，将所述支付金额从所述第一NFC终端的本地账户中，转入至所述第一NFC终端的云端账户中、在检测到第二NFC终端位于预设范围时，建立与所述第二NFC终端的NFC通信链路、通过所述NFC通信链路向所述第二NFC终端发送包括所述支付金额的支付请求，以使得所述第二NFC终端根据所述支付请求，将所述支付金额从所述第二NFC终端的云端账户，转入至所述第二NFC终端的本地账户中以及在确定所述第二NFC终端转入所述支付金额的操作成功时，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户中。
  9. 根据权利要求8所述的设备，其特征在于，所述处理器在确定所述第二NFC终端转入所述支付金额的操作成功，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户时，具体用于：
    获取所述第二NFC终端的收款结果，所述收款结果为所述第二NFC终端根据将所述支付金额从所述第二NFC终端的云端账户中转入至所述第二NFC终端的本地账户的操作是否成功所生成的；
    根据所述收款结果，确定所述第二NFC终端将所述支付金额从所述第二NFC终端的云端账户转入至所述第二NFC终端的本地账户的操作是否成功；
    在确定所述第二NFC终端将所述支付金额从所述第二NFC终端的云端账户中转入至所述第二NFC终端的本地账户的操作成功时，将所述支付金额从所述第一NFC终端的云端账户中转入至所述第二NFC终端的云端账户中。
  10. 根据权利要求9所述的设备，其特征在于，所述处理器在获取所述第二NFC终端的收款结果时，具体用于：
    接收第二NFC终端发送的支付响应消息，所述支付响应消息中至少包括与所述第二NFC终端收款结果相关联的网页地址；
    根据所述网页地址，获取所述收款结果。
  11. 根据权利要求10所述的设备，其特征在于，所述处理器在从所述网页地址中，获取所述收款结果时，具体用于：
    建立与所述第二NFC终端之间的无线局域网；
    通过所述无线局域网，访问所述网页地址，获取所述收款结果。
  12. 根据权利要求8至11任一项所述的设备，其特征在于，所述处理器还用于：
    在确定所述第二NFC终端转入所述支付金额的操作失败时，再将所述支付金额从所述第一NFC终端的云端账户中，返回至所述第一NFC终端的本地账户中。
  13. 一种第一NFC近场通信设备，其特征在于，所述设备包括存储器和处理器：
    所述处理器，用于读取所述存储器中的代码，以用于执行：接收用户输入的支付金额和支付凭证、在确定所述支付凭证正确，且检测到第二NFC终端位于预设范围时，建立与所述第二NFC终端的NFC通信链路、通过所述NFC通信链路向所述第二NFC终端发送支付请求、通过所述NFC通信链路接收所述第二NFC终端发送的支付响应消息，所述支付响应消息中至少包括所述第二NFC终端用户的账户信息以及将所述支付金额，转入至所述第二NFC终端用户的账户中。
  14. 根据权利要求13所述的设备，其特征在于，所述处理器在将所述支付金额，转入至所述第二NFC终端用户的账户中时，具体用于：
    开启与所述第二NFC终端用户的账户相匹配的应用程序；
    通过相匹配的应用程序，将所述支付金额转入至所述第二NFC终端用户的账户内。
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